RHB Banking Group

Description

Primary Objective:

The Head of Credit Management is responsible for overseeing the entire credit management function within the Boost Bank. This role includes developing and implementing credit policies, managing the credit risk assessment process, and ensuring the efficient and effective operation of the credit department.

The Head of Credit Management will also play a critical role in shaping the bank's lending strategy and ensuring compliance with regulatory requirements.

Key Responsibilities:

Credit Risk

Develop sound and effective credit policies and decision process to support business growth
Regularly review credit policies that in line with the risk-taking appetite of the organization
Collaborate and provide inputs to Data Science Team in developing and/or enhancing credit model and scoring

Credit Origination and Assessment

Managing credit approval across all financing products
Evaluate and make sound credit decision on financing application submitted by business unit
Ensure credit assessment and decision is in accordance to the credit policies approved
Perform financing recommendation to Senior Management and/or Risk Committee in accordance to Limit of Authority

Credit Analytics and Reporting

Tracking of loan growth and asset quality and/or performance
Perform independent analysis to detect potential weakness in the portfolio, composition and concentration risk that could lead to increase of overall credit risk levels

Credit Collection

Managing problem credits which includes implementing collection strategies from pre to post non-performing financing
Engage with Debt Collection Agencies to optimize collection and bad debt recovery
Detect warning signs of account deterioration and initiate negotiation with customer for restructure/reschedule financing or recalling the credit facilities

Risk Management Committee (RMC)

Secretary of RMC

Lead the presentation of credit information to the committee

Requirements

Requirements:
Bachelor Degree - finance, business, economics, accountancy, banking or related discipline..

- AICB certification; Certified Credit Professional (Business) or Bank Risk Management

Job Requirements & Criteria:

Degree or professional qualification in finance, business, economics, accountancy, banking or related discipline.
Relevant AICB certification; Certified Credit Professional (Business) or Bank Risk Management.
In depth knowledge of Credit (Credit Assessment and Credit Risk), MFRS9 Expected Credit Loss (ECL) and Basel II & III of Capital Adequacy Framework as well as sustainability and ESG internal standards/principles and best practices and relevance to the risk management.
Minimum 10 years’ experience in credit evaluation/approval (2nd LOD functions).
Experienced as Business/Corporate Relationship Management/Credit Analyst (1st LOD) will have an added advantage.
Well verse in overall credit operations (1st and 2nd LOD functions).

Benefits

Dental, Education support, Miscellaneous allowance, Medical, Loans, Sports (e.g. Gym), Parking, Vision, Regular hours, Mondays - Fridays, Casual Business Wear, Performance Based Rewards

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